| 我国消费信贷抵押担保的困境分析及其对策研究 |
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| 引用本文： | 张婷.我国消费信贷抵押担保的困境分析及其对策研究[J].预测,2006,25(2):7-11. |
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| 作者姓名： | 张婷 |
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| 作者单位： | 西北工业大学,人文与经法学院,陕西,西安,710072 |
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| 摘 要： | 我国商业银行面临抵押担保的困境：一是过高的担保要求，在宏观上是一种非效率选择；二是可能造成商业银行过分依赖于担保来规避风险；三是在当前的法律制度环境下，高抵押的信贷合约隐含的金融风险不可小视。在此认识的基础上，本文提出了解决抵押困境的途径：建立政府主导型的个人信用体系，成立各省市的个人信用担保机构．推进消费信贷利率市场化，大力发展信用卡的小额循环贷款功能。
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| 关 键 词： | 消费信贷 抵押困境 对策研究 |
| 文章编号： | 1003-5192（2006）02-0007-05 |
| 收稿时间： | 2004-11-12 |
| 修稿时间： | 2004-11-12 |
The Paradox of Mortgage-guaranteed Loan in Consumer Credit Market of China |
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| ZHANG Ting.The Paradox of Mortgage-guaranteed Loan in Consumer Credit Market of China[J].Forecasting,2006,25(2):7-11. |
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| Authors: | ZHANG Ting |
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| Abstract: | In our country,the commercial banks face the paradox: first,the too high mortgage-guarantee wastes the consumers' limited guaranteed resources on the macro-scope;Second,this may cause the commercial banks depend on mortgage-guarantee too much;third,the financial risks which hides in the high-mortgage loan can't be neglected.On the base of this point,the paper proposes four ways: first,the personal credit-information system should be built up;Second,government should establish the personal credit-guaranteed system;third,liberalization of interest rate in the consumer credit market;finally,developing the credit card's circulation loan function. |
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| Keywords: | consumer credit the paradox of mortgage-guarantee the solving ways |
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